Down Payment Assistance Programs – How They Work, And How To Use ThemWritten by Rob Beeman
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Municipal Grants Municipalities such as city, county or state typically offer grants (which are not required to be repaid) to assist purchasers with down payment and/or closing costs assistance. There usually are restrictions on use of programs such as: maximum household income, number of persons occupying property, maximum sales price of property, and home buying education seminar attendance. The funds are normally replenished annually, and are available for use as long as they exist. A link to a web site that offers numbers and addresses for most state housing and finance authorities is: http://www.mortgage101.com/Articles/DownPayment.asp?ArticleID=1013&p=ABCentMiss . Municipal Low Interest Loans The low interest loans offered by municipalities (city, county or state) are typically linked into participating local mortgage lenders and banks. The funds are secured by a second mortgage on property and are usually not required to be paid back until property is sold or refinanced, or first mortgage is paid off. The funds are normally replenished annually and are available for use as long as they exist. Use link referenced above to locate municipalities near you to gain info on what programs are currently offered. In addition here are a few sites that are regional: www.ci.longmont.co.us www.ci.modesto.ca.us www.homestreetbank.com www.cityoforlando.net www.ihfa.org www.mhdc.com Rob Beeman started investing in real estate in 1996, and enjoys passing on to other investors: Knowledge, Information and Contacts in forms of Books, Special Reports, Guides and Newsletters, to help them start, accelerate, or supercharge their business. You can find his writings on “How To Discover Opportunities Others Overlook” at either of these sites: www.theartofrealestateinvesting.com or www.findingforeclosuresforprofit.com .
Rob’s knowledge and experience has been gained first hand, “in the trenches.” An Author of two books on real estate investing, “The Art of Real Estate Investing” and “Finding Foreclosures for Profit”; he does not consider himself to be a “Guru”. He is a “Hands On” Real Estate Investor starting every day with a desire to discover deals that others overlook, and pass on a little Knowledge, Information and Contacts to other investors.
| | A STUNNING SURPRISE FOR AN ATTACKER!Written by Rick Etheredge
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As with most pepper sprays, effects are inflammation of mucous membranes, temporary visual impairment, difficulty breathing, sensations of burning to eyes, throat and nose, and nausea. These symptoms last about 45 minutes, but there is no permanent injury. Ring sizes are from 6-14. You can also order separate refills of pepper spray. The stunning ring gives you that extra edge for personal protection and security. You can find out more about stunning ring and other self-defense products at www.safetyenforcer.com
Rick is a retired educator, having spent 35 years in the Midland, Tx. public schools as teacher, counselor, dean of students and director of an in-school suspension center. He also has been a broadcaster, sportscaster, employment counselor, retail salesman for a tobacco shop, wholesale distributor for a beef jerky company, and now owner of a website promoting self-defense products.
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